@font-face{font-family:"Plus Jakarta Sans";font-weight:400;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-400.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-weight:500;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-500.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-weight:600;font-style:normal;font-display:swap;src:url(fonts/plus-jakarta-sans-600.woff2) format("woff2")}
@font-face{font-family:"Playfair Display";font-weight:500;font-style:normal;font-display:swap;src:url(fonts/playfair-display-500-subset.woff2) format("woff2")}
:root{--ink:#B44913;--ink-d:#8E3A0F;--ink-dd:#6B2B0B;--accent:#D8B146;--bg:#F4EDE1;--panel:#FCF9F6;--card:#FFFFFF;--line:#E6DED0;--text:#1D1511;--muted:#675A51;
--r:22px;--r-in:16px;--gut:22px;--pad:clamp(1.4rem,4vw,2.9rem);--navh:64px;--maxw:1200px;
--sans:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--muted);font:400 16px/1.6 var(--sans)}
img{max-width:100%;display:block}
a{color:var(--ink-d);text-underline-offset:3px}
a:hover{color:var(--ink-dd)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}
h1,h2,h3{color:var(--text);font-weight:500;text-wrap:balance;margin:0}
h1{font-size:clamp(2.1rem,3.6vw,3.05rem);line-height:1.08;letter-spacing:-.03em}
h2{font-size:clamp(1.55rem,2.6vw,2.1rem);line-height:1.15;letter-spacing:-.02em}
h3{font-size:1.15rem;line-height:1.3;letter-spacing:-.01em}
p{margin:0 0 1rem}
.skip{position:absolute;left:-9999px;top:0;background:var(--card);padding:.6rem 1rem;z-index:2147483001}
.skip:focus{left:1rem;top:1rem}
.wrap{max-width:calc(var(--maxw) + 2*var(--gut));margin:0 auto;padding:0 var(--gut)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);margin-top:var(--gut)}
.tile{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.25rem 1.3rem}
.eyebrow{display:block;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-d);margin:0 0 .7rem}
.lead{font-size:1.06rem;color:var(--text)}
.muted{color:var(--muted)}
.note{font-size:.88rem;color:var(--muted)}
.mt{margin-top:1rem}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font:600 .95rem/1.1 var(--sans);text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-p{background:var(--ink);color:#fff}
.btn-p:hover{background:var(--ink-d);color:#fff}
.btn-s{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-s:hover{border-color:var(--ink);color:var(--ink-d)}
.btn-w{background:#fff;color:var(--ink-dd)}
.btn-w:hover{background:var(--bg);color:var(--ink-dd)}
.btns{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.1rem}
/* nav */
.nav{position:fixed;top:calc(var(--gut) + 6px);left:0;right:0;z-index:2147483000;isolation:isolate;pointer-events:none;transition:top .2s}
.nav-in{pointer-events:auto;background:rgba(252,249,246,.8);max-width:var(--maxw);margin:0 auto;height:var(--navh);display:flex;align-items:center;gap:1.4rem;padding:0 1.3rem;border-radius:var(--r);border:1px solid transparent;transition:background .2s,border-color .2s,box-shadow .2s}
.nav.scrolled{top:10px}
.nav.scrolled .nav-in{background:var(--panel);border-color:var(--line);box-shadow:0 10px 30px -18px rgba(60,30,10,.35)}
@media (max-width:1244px){.nav-in{margin:0 var(--gut)}}
.logo{display:flex;align-items:center;gap:.55rem;text-decoration:none;color:var(--text);font-weight:600;font-size:.88rem;letter-spacing:.12em;text-transform:uppercase;white-space:nowrap}
.logo img{width:40px;height:40px}
.menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:0;flex:1}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .7rem;border:0;background:none;font:500 .93rem var(--sans);color:var(--text);text-decoration:none;cursor:pointer;border-radius:10px}
.menu>li>a:hover,.menu>li>button:hover{color:var(--ink-d)}
.menu .chev{width:12px;height:12px}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:0 18px 40px -20px rgba(60,30,10,.4);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:block;white-space:nowrap;padding:.55rem .8rem;border-radius:10px;color:var(--text);text-decoration:none;font-size:.93rem;min-height:40px}
.dd a:hover{background:var(--bg);color:var(--ink-d)}
.nav-cta{margin-left:auto;border-radius:999px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:var(--card);cursor:pointer}
@media (max-width:1060px){.menu>li>a,.menu>li>button{padding:0 .5rem;font-size:.9rem}.logo span{display:none}}
@media (max-width:760px){
 .nav{top:10px}.nav-in{background:var(--panel);border-color:var(--line);flex-wrap:wrap;height:auto;min-height:var(--navh);padding:.55rem .9rem}
 .logo span{display:inline}.burger{display:block}.nav-cta{display:none}
 .menu{display:none;flex-basis:100%;flex-direction:column;align-items:stretch;padding:.4rem 0 .6rem}
 .nav.open .menu{display:flex}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between}
 .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;width:auto;max-width:none;margin:.2rem 0 .4rem}
 .dd::before{display:none}
 .has-dd.open>.dd{display:block}
 .menu .m-apply{display:block}
}
.menu .m-apply{display:none}
/* hero + header card (shared) */
.hero{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);border:1px solid var(--line);margin-top:var(--gut)}
.hero-text{position:relative;z-index:1;padding:calc(var(--navh) + 2.6rem) var(--pad) var(--pad);max-width:640px}
.hero-text h1{margin-bottom:.8rem}
.hero-img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r-in);max-width:720px;margin:0 var(--pad) var(--pad)}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0 0 .8rem;padding:0;font-size:.85rem;color:var(--text)}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--muted)}
.crumbs a{color:var(--text)}
.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;list-style:none;margin:1rem 0 0;padding:0;gap:.35rem}
.chips::-webkit-scrollbar{display:none}
.chips li{flex:none}
.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;font-size:.8rem;font-weight:500;color:var(--text);background:var(--card);border:1px solid var(--line);border-radius:999px;text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink-d)}
.trust{display:flex;align-items:center;gap:.5rem;margin-top:1.1rem;font-size:.9rem;color:var(--text);flex-wrap:wrap}
.avs{display:flex}
.avs img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;object-fit:cover}
.avs img+img{margin-left:-10px}
@media (min-width:1141px){
 section.hero.fb{display:flex;flex-direction:column;justify-content:center;aspect-ratio:16/9;padding:0}
 section.hero.fb .hero-img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;aspect-ratio:auto;object-fit:cover;z-index:0}
 section.hero.fb::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,rgba(252,249,246,.72) 0,rgba(252,249,246,.62) calc(var(--pad) + 300px),rgba(252,249,246,.55) calc(var(--pad) + 480px),rgba(252,249,246,0) max(56%,calc(var(--pad) + 560px)))}
 section.hero.fb .hero-text{max-width:calc(480px + 2*var(--pad));padding:calc(var(--navh) + .9rem) var(--pad) .9rem}
 section.hero.fb .hero-text>*{max-width:480px}
 section.hero.fb .hero-text>.chips{max-width:600px}
 section.hero.fb .chips{display:block;font-size:0;line-height:0;max-width:600px;margin:1rem -.175rem 0}
 section.hero.fb .chips li{display:inline-block;margin:.175rem}
 section.hero.fb .lead,section.hero.fb .crumbs,section.hero.fb .trust{color:#2A1E17}
 section.hero.fb .eyebrow{color:var(--ink-dd)}
 section.hero.fb h1{font-size:clamp(2rem,2.9vw,2.85rem)}
}
@media (max-width:1140px){.hero-text{max-width:760px}}
/* form card */
.form-card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);margin-top:var(--gut);overflow:hidden;box-shadow:none}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.form-head{text-align:center;max-width:640px;margin:0 auto 1.2rem}
.form-head h2{margin-bottom:.4rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
@media (max-width:600px){.form-card{border-radius:12px;padding:1.2rem .8rem}}
/* section cards (inner pages) */
.sec{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,680px);gap:2.2rem}
.sec-h{position:sticky;top:96px;align-self:start}
.sec-n{display:block;font-size:.8rem;font-weight:600;letter-spacing:.14em;color:var(--ink-d);margin-bottom:.5rem}
.sec-b>*:last-child{margin-bottom:0}
.sec-b h3{margin:1.4rem 0 .5rem}
.sec-b ul,.sec-b ol,.full ul,.full ol{padding-left:1.2rem;margin:0 0 1rem}
.sec-b li,.full li{margin:.3rem 0}
.full>h2,.split .sec-b>h2{margin-bottom:1rem}
.full .grid3,.sec-b .grid3{margin:1.2rem 0 1.4rem}
.full .sec-n{margin-bottom:.4rem}
@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr);gap:.6rem}.sec-h{position:static}}
.sec-b p,.full p,.sec-b li,.full li{color:#4A3E36}
.callout{border-left:3px solid var(--accent);background:var(--card);border-radius:0 12px 12px 0;padding:.9rem 1.1rem;margin:0 0 1rem;color:var(--text)}
.answer{font-size:1.05rem;color:var(--text);text-wrap:balance}
/* tables */
.tbl{width:100%;overflow-x:auto;margin:0 0 1rem;border:1px solid var(--line);border-radius:14px;background:var(--card)}
table{width:100%;border-collapse:collapse;font-size:.93rem;min-width:520px}
th,td{text-align:left;padding:.7rem .85rem;border-bottom:1px solid var(--line);vertical-align:top;color:#3F342D}
th{background:#FBF5EC;color:var(--text);font-weight:600}
tr:last-child td{border-bottom:0}
/* grids */
.grid2,.grid3,.grid4{display:grid;gap:var(--gut)}
.grid2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1020px){.grid3,.grid4{grid-template-columns:repeat(2,minmax(0,1fr))}.grid3.keep3{grid-template-columns:1fr}}
@media (max-width:620px){.grid2,.grid3,.grid4{grid-template-columns:1fr}}
.tile h3{margin:.2rem 0 .45rem}
.tile p:last-child{margin-bottom:0}
.ico{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--bg);color:var(--ink-d);margin-bottom:.7rem}
.ico svg{width:22px;height:22px}
.tile.dark{background:var(--ink);border-color:var(--ink)}
.tile.dark h3,.tile.dark p{color:#fff}
.tile.dark .ico{background:rgba(255,255,255,.14);color:#fff}
/* tiers (M2 style) */
.tier{position:relative;display:flex;flex-direction:column;text-decoration:none;color:inherit}
.tier .amt{font-size:1.65rem;font-weight:500;color:var(--text);letter-spacing:-.02em}
.tier .badge{position:absolute;top:-.75rem;right:1rem;font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:var(--accent);color:var(--text);padding:.25rem .55rem;border-radius:999px}
.bar{height:6px;border-radius:999px;background:var(--bg);margin:.8rem 0;overflow:hidden}
.bar i{display:block;height:100%;background:var(--accent);border-radius:999px}
.tier .more{margin-top:auto;font-weight:600;color:var(--ink-d)}
a.tile:hover{border-color:var(--ink)}
/* split image */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,360px);gap:2rem;align-items:start}
.photo{width:100%;height:auto;border-radius:var(--r-in)}
.photo.p34{aspect-ratio:3/4}
@media (max-width:1020px){.split{grid-template-columns:1fr}.photo.p34{max-width:420px;margin:0 auto}}
/* faq */
.qa{border-top:1px solid var(--line);padding:1rem 0}
.qa:first-of-type{border-top:0;padding-top:0}
.qa h3{margin-bottom:.4rem}
.qa p{margin:0}
/* related + author */
.rel{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.rel a{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 1rem;background:var(--card);border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--text);font-weight:500}
.rel a:hover{border-color:var(--ink)}
.author{display:flex;gap:1rem;align-items:flex-start}
.initials{flex:none;width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--ink);color:#fff;font-weight:600;letter-spacing:.04em}
.explore h3{margin:0 0 .6rem}
.explore .chiprow{display:flex;flex-wrap:wrap;gap:.45rem;margin:0 0 1.2rem;padding:0;list-style:none}
.explore .chiprow a{display:inline-flex;align-items:center;min-height:40px;padding:.4rem .85rem;background:var(--card);border:1px solid var(--line);border-radius:999px;color:var(--text);text-decoration:none;font-size:.9rem}
.explore .chiprow a:hover{border-color:var(--ink);color:var(--ink-d)}
.share{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.share a{font-size:.85rem;padding:.45rem .8rem;border:1px solid var(--line);border-radius:999px;background:var(--card);text-decoration:none;color:var(--text);min-height:40px;display:inline-flex;align-items:center}
/* CTA band */
.cta{background:var(--ink);border-color:var(--ink);text-align:center}
.cta .eyebrow{color:#FBE7C9}
.cta h2{color:#fff;margin-bottom:.5rem}
.cta p{color:#FFF3E6;max-width:620px;margin:0 auto 1.2rem}
/* footer */
.foot{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);margin:var(--gut) 0}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.f-brand{display:flex;flex-direction:column}
.f-brand p{font-size:.92rem}
.f-h{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--text);margin:0 0 .6rem}
.f-col ul{list-style:none;margin:0;padding:0}
.f-col a{display:flex;align-items:center;min-height:44px;color:#4A3E36;text-decoration:none;font-size:.93rem}
.f-col a:hover{color:var(--ink-d)}
.nap{font-style:normal;font-size:.92rem;line-height:1.7;color:#4A3E36}
.f-end{margin-top:auto}
.f-status{font-size:.88rem;color:var(--text);font-weight:500;margin:.4rem 0 .8rem}
.f-legal{border-top:1px solid var(--line);margin-top:1.6rem;padding-top:1.2rem;font-size:.82rem;color:var(--muted)}
.f-legal p{margin:0 0 .6rem}
@media (max-width:1020px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.f-grid{grid-template-columns:1fr}.f-end{margin-top:0}}
/* to-top ring */
.totop{position:fixed;right:1.4rem;bottom:1.4rem;width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s;z-index:50}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{box-shadow:0 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(216,177,70,.25)}
.totop svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .trk{fill:none;stroke:var(--line);stroke-width:3}
.totop .prg{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}
.totop .arr{position:absolute;left:19px;top:19px;width:18px;height:18px;color:var(--ink)}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.sbar{display:none}
@media (max-width:600px){
 .totop{display:none}
 .sbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;align-items:center;justify-content:space-between;gap:.6rem;padding:.6rem .9rem;background:var(--panel);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .25s;font-size:.85rem;color:var(--text)}
 .sbar.show{transform:none}
 body{padding-bottom:72px}
}
/* home specific */
.intro2{display:grid;grid-template-columns:1fr 1fr;gap:2.4rem;margin-bottom:var(--gut)}
.intro2 h2{font-size:1.45rem;margin-bottom:.6rem}
@media (max-width:760px){.intro2{grid-template-columns:1fr;gap:1rem}}
.band{position:relative;overflow:hidden;background:#20140D;border-color:#20140D;min-height:460px;display:flex;flex-direction:column;justify-content:center}
.band>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;z-index:0;max-width:none}
.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,#20140D 0,#20140D 42%,rgba(32,20,13,.55) 52%,rgba(32,20,13,0) 64%)}
.band>:not(img){position:relative;z-index:1;max-width:min(470px,calc(42% - var(--pad)))}
.band .serif{font-family:"Playfair Display",Georgia,serif;font-weight:500;color:#fff;font-size:clamp(1.8rem,3vw,2.5rem);line-height:1.12;margin-bottom:1rem}
.band .vals{list-style:none;margin:0 0 1.2rem;padding:0;display:grid;gap:.6rem}
.band .vals li{display:flex;gap:.6rem;align-items:center;color:#F6EBDD}
.band .vals svg{width:20px;height:20px;color:var(--accent);flex:none}
.band .word{font-size:clamp(1.4rem,2.6vw,2rem);font-weight:600;letter-spacing:.06em;color:#fff;margin:0}
.band .sub{color:var(--accent);font-weight:500;margin:0}
.band .eyebrow{color:var(--accent)}
@media (max-width:1020px){.band{min-height:0}.band>img{position:static;width:100%;height:auto;aspect-ratio:2/1;border-radius:var(--r-in);margin-top:1.2rem;max-width:720px}.band::after{display:none}.band>:not(img){max-width:none}}
/* M6 eligibility + estimator */
.rimg{position:relative;overflow:hidden;min-height:440px;display:flex;flex-direction:column}
.rimg>img.bgimg{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.rimg::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(252,249,246,.35) calc(var(--pad) + 720px),rgba(252,249,246,.2) 100%)}
.rimg>:not(img){position:relative;z-index:1}
.rimg .col{max-width:560px;display:flex;flex-direction:column;flex:1}
.checks{list-style:none;margin:.8rem 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:.45rem 1rem}
.checks label{display:flex;gap:.55rem;align-items:center;cursor:pointer;color:var(--text);font-size:.93rem;white-space:nowrap;min-height:32px}
.checks input{width:18px;height:18px;accent-color:var(--ink)}
.count{font-size:.86rem;font-weight:600;color:var(--ink-d)}
.rimg .col>.lnk{margin-top:auto;padding-top:.6rem}
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}
.est .col{max-width:460px}
.est::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(252,249,246,.35) calc(var(--pad) + 620px),rgba(252,249,246,.2) 100%)}
.facts{list-style:none;margin:.6rem 0 0;padding:0;display:grid;gap:.6rem}
.facts li{display:flex;gap:.7rem;align-items:center;color:var(--text)}
.facts svg{width:20px;height:20px;color:var(--ink-d);flex:none}
.calc{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.3rem}
.calc label{display:block;font-size:.85rem;font-weight:600;color:var(--text);margin:.7rem 0 .35rem}
.calc input[type=range]{width:100%;accent-color:var(--ink)}
.calc select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .7rem;font:500 .95rem var(--sans);background:var(--card);color:var(--text)}
.calc .out{margin-top:1rem;padding-top:1rem;border-top:1px solid var(--line)}
.calc .big{font-size:2rem;font-weight:500;color:var(--text);letter-spacing:-.02em}
.calc .row{display:flex;justify-content:space-between;font-size:.9rem;padding:.2rem 0;color:#4A3E36}
@media (max-width:1020px){.rimg{min-height:0}.rimg>img.bgimg{position:static;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);margin-top:1.2rem;max-width:720px}.rimg::after{display:none}.est{grid-template-columns:1fr}.est>img.bgimg{display:none}.rimg .col{max-width:none}}
@media (max-width:700px){.checks{grid-template-columns:1fr}.checks label{white-space:normal}}
/* M4 tabs */
.m4{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:var(--gut);align-items:stretch}
.m4 ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45rem}
.m4 li{flex:1 1 0;display:flex}
.m4 li a{flex:1;display:flex;flex-direction:column;justify-content:center;padding:.6rem 1rem;background:var(--card);border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--text);white-space:nowrap}
.m4 li a b{font-weight:600}
.m4 li a small{color:var(--muted);font-size:.82rem}
.m4 li a[aria-selected=true]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.m4 .panels{display:flex;flex-direction:column}
.m4 .pn{flex:1;display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.5rem}
.m4 .pn[hidden]{display:none}
.m4 .pn .big{font-size:2.4rem;font-weight:500;color:var(--text);letter-spacing:-.03em}
.kv{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin:1rem 0}
.kv div{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:.7rem .8rem}
.kv span{display:block;font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.kv b{color:var(--text);font-weight:600}
.m4 .pn .btns{margin-top:auto}
@media (max-width:900px){.m4{grid-template-columns:1fr}.kv{grid-template-columns:repeat(2,minmax(0,1fr))}}
/* M5 list (5 cats) */
.catlist{list-style:none;margin:0;padding:0;display:grid;gap:.6rem}
.catlist a{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:1rem;align-items:center;padding:1rem 1.2rem;background:var(--card);border:1px solid var(--line);border-radius:14px;text-decoration:none;color:var(--text)}
.catlist a:hover{border-color:var(--ink)}
.catlist .ico{margin:0}
.catlist p{margin:0;color:#4A3E36;font-size:.93rem}
.tag{font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-d);background:var(--bg);padding:.3rem .6rem;border-radius:999px;white-space:nowrap}
@media (max-width:620px){.catlist a{grid-template-columns:auto 1fr}.catlist .tag{display:none}}
/* steps M3 */
.steps{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:2rem;align-items:center}
.clock{width:100%;max-width:260px;margin:0 auto}
.steplist{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}
.steplist li{display:grid;grid-template-columns:44px minmax(0,1fr) auto;gap:.9rem;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:.85rem 1rem}
.steplist .n{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--bg);font-weight:600;color:var(--ink-d)}
.steplist h3{font-size:1.02rem;margin:0 0 .15rem}
.steplist p{margin:0;font-size:.9rem}
.steplist .t{font-size:.78rem;font-weight:600;color:var(--ink-d);white-space:nowrap}
@media (max-width:760px){.steps{grid-template-columns:1fr}.steplist li{grid-template-columns:44px 1fr}.steplist .t{grid-column:2}}
/* T1 rates */
.t1{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:var(--gut);align-items:stretch}
.t1 .lcol{display:flex;flex-direction:column;gap:var(--gut)}
.t1 .lcol .tbl{margin:0}
.moves{flex:1;display:grid;grid-template-columns:1fr 1fr;gap:.9rem 1.2rem;align-content:center}
.moves h3{font-size:.98rem;margin-bottom:.2rem}
.moves p{margin:0;font-size:.9rem}
.rep{background:var(--ink);border-color:var(--ink);color:#fff;display:flex;flex-direction:column}
.rep h3,.rep p,.rep .eyebrow{color:#fff}
.rep .eyebrow{color:#FBE7C9}
.rep dl{display:grid;grid-template-columns:1fr auto;gap:.45rem 1rem;margin:1rem 0}
.rep dt{color:#FFE9D2}.rep dd{margin:0;font-weight:600;text-align:right}
.rep a{color:#fff;margin-top:auto}
@media (max-width:900px){.t1{grid-template-columns:minmax(0,1fr)}.moves{grid-template-columns:1fr}}
/* T5 about */
.t5{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,520px) minmax(0,360px);justify-content:space-between;gap:2rem;align-items:center}
.t5>img.bgimg{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.t5::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(252,249,246,.4) calc(var(--pad) + 640px),rgba(252,249,246,.15) 100%)}
.t5>:not(img){position:relative;z-index:1}
.napcard{background:var(--ink);color:#fff;border-radius:calc(var(--r) - 6px);padding:1.4rem 1.5rem}
.napcard p,.napcard address{color:#fff;font-style:normal;margin:0 0 .5rem}
.napcard .b{font-weight:600;letter-spacing:.1em;text-transform:uppercase;font-size:.85rem}
.napcard a{color:#fff}
.reviewed{display:inline-block;margin-top:.6rem;font-size:.85rem;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:.5rem .8rem;color:var(--text)}
@media (max-width:1020px){.t5{grid-template-columns:1fr}.t5>img.bgimg{display:none}.t5::after{display:none}}
/* T6 FAQ */
.t6{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,44%);gap:2rem;align-items:stretch}
.t6 .fimg{position:relative}
.t6 .fimg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 62%;border-radius:var(--r-in)}
.t6 details{border-top:1px solid var(--line);padding:.9rem 0}
.t6 details:first-of-type{border-top:0}
.t6 summary{cursor:pointer;font-weight:600;color:var(--text);list-style:none;display:flex;justify-content:space-between;gap:1rem;min-height:32px}
.t6 summary::-webkit-details-marker{display:none}
.t6 summary::after{content:"+";color:var(--ink-d);font-size:1.2rem;line-height:1}
.t6 details[open] summary::after{content:"–"}
.t6 details p{margin:.6rem 0 0}
@media (max-width:1020px){.t6{grid-template-columns:1fr}.t6 .fimg img{position:static;height:auto;aspect-ratio:3/5;max-width:420px;margin:0 auto}}
.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}
.dots i{color:var(--line);font-style:normal}
.sum{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between;margin-bottom:1rem}
.blogcard{display:flex;flex-direction:column;text-decoration:none;color:inherit;padding:0;overflow:hidden}
.blogcard img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.blogcard .bc{padding:1.1rem 1.2rem 1.2rem;display:flex;flex-direction:column;flex:1}
.blogcard h3{font-size:1.05rem;margin:.2rem 0 .5rem}
.blogcard p{font-size:.92rem;color:#4A3E36}
.blogcard .more{margin-top:auto;font-weight:600;color:var(--ink-d)}
.sitecols{columns:3 240px;column-gap:2rem}
.sitecols section{break-inside:avoid;margin-bottom:1.2rem}
.sitecols h2{font-size:1.1rem;margin-bottom:.4rem}
.sitecols ul{margin:0;padding-left:1.1rem}
.glo dt{font-weight:600;color:var(--text);margin-top:1rem;scroll-margin-top:96px}
.glo dd{margin:.25rem 0 0;color:#4A3E36}
.stat{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin-top:1rem}
.stat div{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.6rem .7rem}
.stat b{display:block;color:var(--text);font-size:1.05rem}
.stat span{font-size:.75rem;color:var(--muted)}
/* trust pages */
.hsteps{list-style:none;margin:0;padding:0;display:grid;gap:.9rem}
.hsteps li{display:grid;grid-template-columns:44px minmax(0,1fr);gap:1rem;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.1rem 1.2rem}
.hsteps .sn{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--ink);color:#fff;font-weight:600}
.hsteps h3{margin:.15rem 0 .3rem}.hsteps p{margin:0}
.sm-cols{columns:3 240px;column-gap:2rem}
.sm-g{margin:0 0 1.4rem}.sm-g h3{break-after:avoid}.sm-g li{break-inside:avoid}
.sm-g h3{margin:0 0 .5rem;font-size:1.02rem}
.sm-g ul{list-style:none;margin:0;padding:0}
.sm-g li{margin:.3rem 0;line-height:1.4}
.sm-g a{color:var(--ink-d);text-decoration:none}.sm-g a:hover{text-decoration:underline}
.legal h3{margin-top:1.3rem}
.links404{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1rem}
.sec>*,.t1>*,.lcol>*,.split>*{min-width:0}
.callout .checks{grid-template-columns:repeat(2,minmax(0,1fr))}.callout .checks label{white-space:normal}@media (max-width:700px){.callout .checks{grid-template-columns:1fr}}
@media (max-width:760px){.nav-in{gap:.6rem}.logo{letter-spacing:.07em;font-size:.84rem;gap:.5rem}.logo img{width:36px;height:36px}}
@media (max-width:360px){.logo{letter-spacing:.02em;font-size:.74rem;gap:.4rem}.logo img{width:32px;height:32px}.nav-in{padding:.55rem .7rem}}
.tile a{overflow-wrap:anywhere}

/* ── Review features (seed: loanwithlowcredit.com-2026-11-15) ── */
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:16px;height:16px}
.stars.lg svg{width:22px;height:22px}
.hquote{margin:1rem 0 0;padding:.65rem .9rem;border-left:3px solid var(--ink);background:rgba(255,255,255,.5);border-radius:0 10px 10px 0;max-width:480px;font-size:.9rem}
.hquote p{margin:0;font-style:italic}
.hquote span{display:block;font-size:.8rem;margin-top:.25rem;color:var(--muted)}
.hquote a{color:var(--ink-d)}
.sumbar{display:flex;flex-wrap:wrap;align-items:center;gap:1.2rem;padding-bottom:.2rem}
.sum-score{display:flex;align-items:center;gap:.8rem}
.sum-score .big{font-size:3rem;font-weight:600;color:var(--text);line-height:1;letter-spacing:-.03em}
.sumbar>p{margin:0}
.blockhead{margin-bottom:1.4rem}
.blockhead .eyebrow{margin-bottom:.4rem}
.rv-h{display:flex;align-items:center;gap:.7rem;margin-bottom:.7rem}
.initials.sm{width:38px;height:38px;font-size:.8rem}
.rv-n{font-weight:600;font-size:.93rem;color:var(--text);margin:0}
.rv-c{font-size:.8rem;color:var(--muted);margin:0}
.rv-t{font-size:.8rem;color:var(--muted);margin-top:.6rem}